Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$206,713Cash toward the purchase price.
Closing costs + prepaids$13,416Not just lender fees.
Before credits & paid funds$220,130The complete starting cash picture.
Estimated remaining funds due at closing
$220,130No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$206,713.47
Your down payment$206,713.47
Closing costs + prepaids$13,416.08
Total buyer cash needed$220,129.55
Remaining funds due$220,129.55
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,900.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$745.25
Initial HOA (3 months)$510.00
Prepaid interest, first (27 days)$785.83
Fees + prepaids$13,416.08
Your down payment is the seller’s equity. You take over the $283,287 balance, so the rest of the $490,000 price is paid at closing. A second mortgage can cover part of it. $220,129.55 is due at closing. Uses and sources reconcile at $503,416.08 each. Not a Closing Disclosure.